TRIPS: a) a portfolio of credit applications; b) negotiating with a potential client; c) deciding whether to extend credit and its form; d) processing credit file; d) Work with the client after receiving the loan; e) repayment of interest and closing credit file. The first stage consists of gathering information about the demand for credit, its analysis and pre-selection of applications. It should be observed main Principle: all information about potential borrowers entering the Bank shall in writing fiksuvatycya loan officers. Also included in the application package documents required under requirements of the bank. When a bank to a large number of applications, such information a prerequisite for the pre-selection of the most attractive offers, and also enables to fill the information portfolio credit requests for follow-up. Employee loan